Florida Disaster Recovery CDBG-DR Program

Florida Department of Commerce / HUD

Available Disaster Relief

About This Program

Florida Disaster Recovery CDBG-DR Program is available to homeowners in Panama City Beach, FL.

Community Development Block Grant Disaster Recovery funds for homeowners affected by federally declared disasters including Hurricane Michael. Provides reconstruction, repair, and mitigation assistance for damaged homes in Bay County.

Disaster recovery grant for unmet needs after insurance and FEMA, typical award for major repairs

Official source site checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

This is a national program. In Panama City Beach, FL, you can stack it with local programs like these:

Key Details

  • Recovery assistance up to $100,000
  • For federally declared disaster damage
  • Covers unmet needs after insurance/FEMA
  • Income at or below 120% AMI priority
  • Includes reconstruction and mitigation

How to Apply

Get free help applying Visit Official Program Page Track this program

(850) 717-8550

A grant-savvy contractor in Panama City Beach, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Panama City Beach early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Varies by disaster declaration

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can Florida Disaster Recovery CDBG-DR Program provide in Panama City Beach, FL?

Up to $100,000 recovery assistance.

Who qualifies for Florida Disaster Recovery CDBG-DR Program in Panama City Beach?

Florida Disaster Recovery CDBG-DR Program is open to homeowners in Panama City Beach, FL.

How do I apply for Florida Disaster Recovery CDBG-DR Program in Panama City Beach, FL?

Apply directly with Florida Department of Commerce / HUD using the official program link on this page or call (850) 717-8550. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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